Send Money from Spain to Morocco

Measured on the full cost — the transfer fee plus the exchange-rate margin — Remitly is cheapest on this corridor at €1,000, across the 3 providers we hold checked figures for. The cheapest provider also changes with the amount you send, so compare the final sum that arrives in Moroccan dirhams rather than the headline fee.

At €1,000, Remitly is the cheapest of the 3 providers priced at that amount on this corridor: about €9.30 all in, or 0.93% of the amount sent. Western Union is next at about €20.59. That is the fee plus the exchange-rate margin that applied to a transfer of that size — priced at €1,000 specifically, not worked out from a measurement taken at some other amount. It covers a bank transfer; cash pickup and mobile wallet payouts are priced separately. The margins were measured by Wise's comparison service rather than published by the providers themselves, and other providers here may be cheaper and are not priced this way.

Delivery ranges from minutes to a few business days depending on the provider and payout method. Ria Money Transfer, Paysend and Taptap Send can deliver within minutes when you pay by debit card. Bank-funded and economy transfers typically take one to three business days but usually cost less. Transfers sent outside banking hours or over a weekend may not settle until the next working day.

Across the providers we compare, the available payout methods are Orange Money, Revolut to Revolut, bank deposit, cash pickup, mobile wallet, home delivery and card payout. The most widely used options in Morocco are cash pickup and bank deposit. Moroccan cash payouts are handled largely through post offices and bank branches, which keeps coverage broad. Not every provider supports every method, so check the table above before you commit.

No. Remitly, Ria Money Transfer, Western Union, Xoom and Taptap Send offer cash pickup in Morocco, so your recipient can collect the funds with valid photo ID and the transfer reference number. That said, cash pickup and bank deposit generally cost less than cash collection.

Providers rarely give you the mid-market rate — the reference rate you see on Google or Reuters. Instead they add a margin, typically between 0.4% and 4%, and keep the difference. That margin is often larger than the visible transfer fee, which is why a "no fee" service can still be more expensive overall. For EUR to MAD, compare the quoted rate against the mid-market rate to see the real spread you are paying.

Yes, provided you use a licensed provider. Every service listed on this page is regulated in Spain under the Bank of Spain (Banco de España), which requires safeguarding of customer funds and identity verification. Send only to people you know personally, keep your transfer reference private, and be sceptical of anyone pressuring you to send money urgently to someone you have not met.

Yes. Each provider sets its own transfer limits, which vary by how much identity verification you have completed and how you pay. Larger transfers may require additional documentation such as proof of source of funds. For transfers above roughly €10,000, a specialist foreign-exchange broker will often beat an app on rate.

Wise pays out to Morocco by bank transfer only and requires the recipient's full 24-digit RIB, so it is not an option at all for a recipient without a Moroccan bank account, however good its rate. Wise also warns that several Moroccan banks, Al Barid, Attijariwafa, BMCE, BMCI, Credit du Maroc and Societe Generale Maroc among them, charge the recipient an incoming-transfer fee of up to 20 dirhams. That cost sits outside the sender's quote and is invisible when comparing. Cash networks set their own ceilings independently of the provider: Taptap Send caps CashPlus pickups at 2,000 EUR per transfer and Attijariwafa bank deposits at 3,000 EUR, and Wise caps a single dirham transfer at 270,000 dirhams.